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Send money from United Kingdom to Europe (GBP → EUR)
GBP
EUR|Mid-market rate: 1.1542Since Brexit, sending money from the UK to Europe requires an international transfer rather than a domestic one. This makes comparing providers essential — the cost difference can be substantial.
GBP to EUR is one of the most liquid currency pairs in the world, which generally means competitive rates. However, some banks and providers still charge significant markups. The best specialist providers offer rates within 0.1–0.3% of the mid-market rate, while banks may mark up by 2–4%.
Compare providers: GBP to EUR
Sending £1,000 from United Kingdom to Europe. Sorted by best value — most money received.
#ProviderRateFeeRecipient gets
1
WorldRemitBest value
Minutes to 3 days0.00% markup
1.1542
Free
€1,154.23
2
XE
1-4 business days0.00% markup
1.1542
Free
€1,154.23
3
InstaReM
0.5-3 days0.06% markup
1.1535
Free
€1,153.54
4
TransferGo
Instant0.36% markup
1.1501
Free
€1,150.07
5
TapTap Send
Instant0.37% markup
1.1500
Free
€1,149.96
6
Wise
1-2 business days0.00% markup
1.1542
£3.88
€1,149.75
7
CurrencyFair
0-6 days0.25% markup
1.1513
£2.61
€1,148.34
8
TorFX
1-3 business days0.60% markup
1.1473
Free
€1,147.30
9
ACE Money Transfer
Minutes to 2 days0.60% markup
1.1473
£2.99
€1,143.87
10
Currencies Direct
0.5 day1.07% markup
1.1419
Free
€1,141.88
11
FairFX
0.5 day1.20% markup
1.1404
Free
€1,140.38
12
Starling Bank
1-3 business days0.51% markup
1.1483
£9.50
€1,137.35
13
Paysend
2 days1.38% markup
1.1383
£1.00
€1,137.16
14
Western Union
1 day1.35% markup
1.1386
£2.99
€1,135.24
15
Remitly
1-3.5 days1.54% markup
1.1365
£1.49
€1,134.76
16
MoneyGram
Minutes to 3 days1.72% markup
1.1344
Free
€1,134.39
17
Revolut
0-1 days
1.1552
£20.79
€1,131.14
18
NatWest
1-3 business days2.32% markup
1.1274
Free
€1,127.39
19
Skrill
0-1 days2.52% markup
1.1251
Free
€1,125.14
20
Barclays
1-3 business days2.74% markup
1.1226
Free
€1,122.61
21
OFX
1 day2.13% markup
1.1296
£7.00
€1,121.74
22
RBS
3-5 days1.93% markup
1.1320
£10.00
€1,120.63
23
Monese
1-3 business days0.03% markup
1.1539
£30.00
€1,119.30
24
Profee
Instant1.50% markup
1.1369
£16.00
€1,118.72
25
Dahabshiil
0-3 days2.49% markup
1.1255
£6.29
€1,118.41
26
Mukuru
0-1 days3.20% markup
1.1173
Free
€1,117.29
27
Santander UK
1-3 business days3.25% markup
1.1167
Free
€1,116.73
28
Lloyds
1-3 business days3.61% markup
1.1126
Free
€1,112.56
29
Xoom (PayPal)
Minutes to 3 days3.49% markup
1.1140
£1.49
€1,112.30
30
Nationwide
1-3 business days2.37% markup
1.1269
£15.00
€1,110.01
31
HSBC
1 day3.50% markup
1.1138
£5.00
€1,108.26
32
Halifax
0-1 days3.25% markup
1.1167
£9.50
€1,106.11
33
PayPal
Instant to 3 days4.26% markup
1.1051
£2.99
€1,101.83
Potential savings: Choosing the best provider over the most expensive saves your recipient €52.40 on a £1,000 transfer.
Best provider for GBP to EUR right now
WorldRemit
4.0Exchange rate
1.1542
Fee
Free
Recipient gets
€1,154.23
Speed
Minutes to 3 days
Best provider for each transfer type
Different providers excel at different things. Here's who's best for each use case on the United Kingdom to Europe route.
💰
Cheapest transfer
WorldRemit
Delivers the most EUR for your money
⚡
Fastest transfer
WorldRemit
Delivers in Minutes to 3 days
🏪
Cash pickup
WorldRemit
Widest cash pickup network
🏦
Bank transfer
WorldRemit
Best rate for bank deposit to Europe
Transfer examples: GBP to EUR
See how much your recipient would get for common transfer amounts.
Send £500
ProviderFeeRateReceivesSpeed
WorldRemitFree1.15€577Minutes to 3 days
InstaReMFree1.15€5770.5-3 days
TransferGoFree1.15€575Instant
TapTap SendFree1.15€575Instant
Wise£2.231.15€5751-2 business days
TorFXFree1.15€5741-3 business days
Send £1,000
ProviderFeeRateReceivesSpeed
WorldRemitFree1.15€1,154Minutes to 3 days
XEFree1.15€1,1541-4 business days
InstaReMFree1.15€1,1540.5-3 days
TransferGoFree1.15€1,150Instant
TapTap SendFree1.15€1,150Instant
Wise£3.881.15€1,1501-2 business days
Send £5,000
ProviderFeeRateReceivesSpeed
WorldRemitFree1.15€5,771Minutes to 3 days
XEFree1.15€5,7711-4 business days
Currencies DirectFree1.15€5,7680.5 day
InstaReMFree1.15€5,7680.5-3 days
CurrencyFair£2.611.15€5,7540-6 days
Wise£17.031.15€5,7511-2 business days
Fees for sending money from United Kingdom to Europe
Fees for GBP to EUR transfers are generally low — from £0 to £5 with specialist providers. Banks typically charge £15–£30 per SWIFT transfer. Since GBP/EUR is a high-liquidity pair, the exchange rate markup is where most of the cost lies.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically £0–£10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (1.1542).
How long does it take to send money to Europe?
SEPA-compatible transfers from specialist providers typically arrive within 1 business day. Some providers offer same-day delivery for EUR payments. Bank SWIFT transfers take 2–4 business days.
FastExpress delivery
- WorldRemitMinutes to 3 days
- TransferGoInstant
- TapTap SendInstant
- ACE Money TransferMinutes to 2 days
- MoneyGramMinutes to 3 days
Standard delivery
- XE1-4 business days
- InstaReM0.5-3 days
- Wise1-2 business days
- CurrencyFair0-6 days
- TorFX1-3 business days
Frequently asked questions: United Kingdom to Europe transfers
What is the cheapest way to send GBP to EUR?
Wise and CurrencyFair consistently offer rates very close to the mid-market rate for GBP to EUR. Wise charges a small percentage fee (typically 0.35–0.45%) while CurrencyFair offers a marketplace model. Both are significantly cheaper than banks.
Can I still use SEPA transfers from the UK?
The UK is no longer part of SEPA, but many specialist providers route payments through SEPA on your behalf, allowing fast EUR delivery to European bank accounts. This is generally faster and cheaper than SWIFT.
How much do banks charge for GBP to EUR transfers?
UK high-street banks typically charge £15–£30 per transfer plus a 2–4% exchange rate markup. On a £1,000 transfer, this can mean £35–£65 in total costs compared to £4–£8 with a specialist provider.
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